Business loans in Australia
Running a business can feel stressful when money is tight.
A business loan can help — but only if the pathway fits your business.
We help you slow down, check what’s realistic, and take the safest next step.
100% free • No credit score impact
🏆 Lenders’ Choice Broker of the Year Finalist (Optimise Awards 2025)
Common problems people run into
A lot of business owners get stuck because:
they apply before they know which loan type fits
their bank statements are rushed or messy
the reason for the loan is not clear
the amount asked for does not match the cash flow
they try too many places and it creates extra questions later
What makes things easier
These simple things usually help most:
one clear story that matches the bank statements
choosing the right pathway (not the “fastest sounding” one)
knowing what documents are needed before anything moves forward
clear expectations about what’s realistic
doing it properly once, not many times
Choose your pathway
Most business loan searches fit into one of these pathways.
Pick the one that matches your situation.
Unsecured business loans — when you want a loan not tied to an asset
Working capital — when cash flow timing is the main issue
Bad credit business loans — the home for bad credit and business loans
Low doc business loans — when you don’t have full financial statements
Unsecured business loans
This is usually for businesses that want funding without linking it to equipment or property.
Best for: steady trading and a clear reason for the funds.
Important to know: lenders still look closely at bank conduct.
Read more: Unsecured Business Loans
Working capital business loans
This is usually for businesses with real income, but a cash gap between bills and getting paid.
Best for: cash flow pressure, timing gaps, short squeezes.
Important to know: the statements need to show repayments are manageable.
Read more: Working Capital Business Loans
Bad credit business loans
This is usually for business owners who have been declined, or are worried about credit.
Best for: businesses that are still trading and can show workable cash flow.
Important to know: recent bank conduct matters a lot.
Read more: Bad Credit Business Loans
Low doc business loans
This is usually for businesses that don’t have full financial statements ready.
Best for: businesses that can show trading through bank statements.
Important to know: business loans still require bank statements (usually at least 6 months).
Read more: Low Doc Business Loans
What lenders usually check (plain English)
Most lenders will look at things like:
how long your business has been trading
whether income looks steady, seasonal, or dropping
how the bank account behaves (dishonours, overdrawn days, arrears)
why you need the funds, and why now
whether current repayments already feel tight
This is not a promise.
It’s just what is commonly checked early.
What you may need
To work out what’s realistic, it helps to have:
6+ months of business bank statements
your ABN / business details
a clear purpose for the funds
If you’re missing something, that’s okay. We’ll confirm what’s needed after we review.
FAQs
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It depends on your cash flow, your existing commitments, and what the statements show. A quick eligibility check helps set a realistic range.
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It depends on your documents, your bank conduct, and how clear the purpose is. A clean pathway often avoids delays.
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Rarely. If you don’t have full financial statements, we can start with bank statements and confirm what else is needed.
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Sometimes, yes. What matters is the overall pattern and whether repayments look manageable.
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Commonly: business bank statements (usually at least 6 months), ID, and basic business details. We confirm the exact list after review.
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It depends on what checks are used and when. We keep the first step consent-first and explain what happens before anything proceeds.
If you want clarity on your options, start with a quick eligibility check.
It helps us confirm what’s realistic before you commit to anything.
100% free • No credit score impact
We work with Australian business owners who want clear, calm guidance.
We’ll explain what we can see, what it may mean, and what the sensible next step is.
This page is general information only. It is not personal advice.
What this page will not cover:
This page does not list every loan product, approval rules, pricing, or timeframes. Those details depend on your business and belong on the relevant pathway pages and in direct discussions.
Related resources
Fast business loans — when timing matters and you need a safe, clean pathway
Cash flow business loans — if you searched “cash flow loan” and want the right route
Working capital for payroll — covering wages during a short cash gap
Working capital for supplier bills — paying supplier invoices when cash is tight
Working capital for overdue invoices — bridging delays while waiting to be paid
Working capital for seasonal dips — smoothing a slow period without falling behind
Working capital for upfront materials — funding materials/stock before revenue lands
Unsecured business loan calculator — estimate repayments/cost before enquiring
Working capital calculator — estimate repayments/cost before enquiring